What box trucks does TAC finance?

Box trucks and cube vans from 12ft to 26ft. Hino, Isuzu, Freightliner M2, International CV/MV, Ford F-650/F-750, Chevy/GMC medium-duty. Both new and used — we're brand-agnostic. Also: refrigerated box trucks (reefer body), liftgate-equipped trucks, and box truck upfits on existing chassis.

Do you finance Amazon DSP (Delivery Service Partner) trucks?

Yes. Amazon DSP operations are a major TAC customer segment. We've funded fleets for new and established DSPs — Step-vans, branded delivery vehicles, and the 26ft box trucks used for hub-and-spoke routes. We understand the Amazon contract structure and how it factors into underwriting.

Can I finance a box truck as a startup moving company?

Yes. Startup moving companies are a TAC specialty. New movers with strong personal credit and a meaningful down payment can qualify. Prior trade experience helps. Expect 15-25% down on a used truck if you're sub-2 years in business. Many of our box-truck clients are starting their first moving or delivery operation.

Do you finance used box trucks from a private seller?

Yes. Used-equipment deals from a private seller are common in our portfolio — we coordinate title transfer, lien filing, and bill of sale.

What's the typical box truck financing amount?

Most TAC box truck deals fall between $30,000 and $80,000. Used 16-20ft cube vans typically $25K–$45K; used 24-26ft box trucks $40K–$65K; new 26ft box trucks $80K–$120K; refrigerated box trucks add $15K-$30K depending on reefer spec.

Found the box truck you want? Get pre-approved before you sign.

22 years funding box trucks and cube vans. Hino, Isuzu, Freightliner, International, Ford — brand-agnostic, used welcome. Most of our box-truck calls are from Amazon DSPs, moving companies, and last-mile delivery operations adding capacity. One application, programs across every credit tier, real person on the phone.

Pre-Qualify in 60 Seconds Call: (801) 332-9756

What we finance

16ft to 20ft cube vans — Class 3-5 chassis. Common for furniture delivery, appliance delivery, courier and DSP operations.
24ft and 26ft box trucks — Class 6-7 chassis. The workhorse of moving and last-mile delivery. Hino 268, Isuzu NRR, Freightliner M2, International MV.
Refrigerated box trucks (reefer bodies) — Carrier, Thermo King units. Food delivery, floral, pharmaceutical, catering supply.
Liftgate-equipped trucks — tuck-under, rail, level-ride. Common spec for moving and appliance delivery.
Box upfits on existing chassis — financing for the box body alone when you've got the chassis.

Who we fund

Amazon DSPs adding capacity or replacing fleet vehicles. We understand the DSP contract structure and how it underwrites.
Moving companies — established and startup. Local moves, long-distance, residential, commercial. Box-truck financing is core moving-company territory.
Last-mile delivery operations — independent contractors for FedEx Ground, regional logistics, third-party last-mile networks.
Furniture and appliance delivery services. Used 24ft trucks with liftgates are the typical spec.
Refrigerated delivery operations — food service supply, floral, catering, pharmaceutical couriers.

International box truck financed by Trust Alliance Capital

International, Hino, Isuzu, Freightliner — brand-agnostic on every box truck

Box trucks come in a wide spread of configurations — Class 3-5 cube vans for furniture and appliance delivery, Class 6-7 24- and 26-footers with liftgates for moving and DSP operations, reefer bodies for food and floral delivery. International MV, Hino 268, Isuzu NRR, Freightliner M2 — we fund every major chassis and body builder. Most deals are used trucks identified at a dealer or through inventory listings. Pre-approval in 24 hours so you walk into the deal from a position of strength.

What a typical box-truck deal looks like

The cleanest box-truck deals on our desk follow a pattern: one to ten years of operating history, a specific used truck identified (often a 2018-2022 Hino 268 or Isuzu NRR at 80,000-200,000 miles), credit that's grown alongside the business, and a clear use — adding capacity for a growing DSP, replacing a worn-out moving truck, or starting an independent delivery route.

That profile gets bounced at most banks for one of three reasons: under 3 years in business, used equipment, or the bank doesn't have a medium-duty truck program at all. The dealer's finance company often won't touch used trucks outside their age and mileage limits. We look at the same file and see a credit-worthy operator with real revenue and a clear need for the truck.

When the deal closes, it's the program-network model doing the work: one application, the right program identified in 24 hours, soft credit pull only, title and lien work coordinated by us, wire to the seller the same week.

If your operation looks like that — DSP, mover, last-mile delivery — call us. We have programs built for exactly that profile.

Why TAC vs. one bank or the dealer's finance company

Most box-truck buyers take the deal to their business bank first and get rejected for used or under-3-years TIB. Then they try the dealer's finance company (Hino Financial, Daimler Truck Financial, Isuzu Finance) and get rejected for not buying brand-new from that specific dealer. Each rejection is another hard credit pull, another week lost, and another seller losing patience. TAC fixes that: one application, programs across every credit tier, soft credit pull, and the right fit identified in 24 hours.

Trust Alliance Capital is a Kaysville, Utah-based, BBB A+ rated commercial equipment finance company, family-owned since 2004 — same family, same office, same phone number for 22 years. The person who picks up the phone at (801) 332-9756 is the same person who'll work your file through to funding.

Ready to talk about the truck you're buying?

Call (801) 332-9756 · Pre-qualify in 60 seconds

Tell us about the box truck you're buying.

Three minutes on the phone and you'll know what your deal looks like.

What our customers say

Real reviews from operators we've funded. Verified five-star reviews from our public profile.

★★★★★
“Spencer and Trust Alliance Capital helped me get financed for my first semi truck as a startup owner-operator when no one else would. The process was smooth and Spencer was always available to answer my questions. I would highly recommend them to anyone looking for commercial truck financing.”
— Bobby · Owner-Operator · worked with Spencer

★★★★★
“My experience with Trust Alliance Capital was great. If I could I would give them 10 stars. Took a week to get my deal done, got approved in one day, found my truck over the weekend and I just signed my paperwork yesterday. Thanks to Spencer and his assistant Kathleen — you need finance, Trust Alliance Capital is who I would recommend. They made it happen. Thanks again.”
— Diante C. · worked with Spencer